Even if you've filled out our simple form and received an offer from one of our lenders, you are not obligated to accept any offer if it doesn't work for you.

How to get a loan Online

Having financial problems and need cash now to keep you up to your next paycheck? Well, you've come to the right place! On payday loans we offer immediate cash for those who need it now.
Online payday loan are simple, easy and effective. Go in, apply and come out with the cash you need.

Average payday loans range from $100 to $1000 (if you need more, try an installment loan). In most cases, this limitation is verified by state law. You can see in the table the amount of credit allowed in your state. Basically, borrowers fill out a simple online form and usually this procedure lasts no more than 15-20 minutes.

Our service understands that fast payday loans are the easiest and fastest way to get cash for all categories of customers, even for those with a bad credit history.
You can be sure that you will get completely hassle-free. You don't even need to fill out any documents or Fax any forms when applying for loans online! Everything is done 100% online, which allows us to get the money very quickly.
So even if you have a bad credit history, we will help you find a direct lender that will give you a loan.

What do I need to get a loan online?

Have you already tried to take out the payday loans online and have been rejected due to your credit score, or some other reason?
We did the hard work for you!
Our service has a database of the most reliable direct payday lenders who are willing to work with you.
Instead of driving around looking for such a lender, why not fill out our request form right now?
We will help you get a cash loan quickly, efficiently and confidentially.

Once approved, your payday loan will be in your account in just one hour, so there is no waiting for funds once the loan has been processed.
The form request procedure is quick and easy and you can get credit approval in just 5 minutes.
It's lending with ease.

Necessary criteria

You are at least 18 years old and reside in a state where payday loans (cash advance) are available.

You earn a minimum income — around $350 a week is typically required.

You have a job with steady income (or benefits).

You get paid by bank deposit (not in cash) daily, weekly or monthly.

You receive less than half of your income from benefits.

You are not self-employed (though some lenders may make an exception).

1: Fill out an Form

2: Submit an Application

3: Wait for Approval

We are not intermediaries and once your application is approved you will only work with a direct lender licensed in your state.

Our service does not charge you additional interest or fees and is completely free for you

Fast Payday Advance Loans Online

You Can get a loan very simple and fast as you need! Get cash fast!

Common questions asked about payday loans

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Does your payday loan service have an apps for android and ios?

Yes. Our applications are compatible with all models of smartphones based on Android and ios. You can take quick cash using the payday loan app

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What are guaranteed loans?

Only your lenders have pre-approved loans. If you once took a loan from a lender and fulfilled all obligations under the contract, the lender can offer you a pre-approved loan because it trusts you.

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Can I cancel a loan if I don't like the terms of the loan, interest rate or fees?

Yes. You can cancel the loan before receiving the money to your account.

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How to get high approval of your loan?

A few simple tips.

You should follow the necessary criteria to get a loan

Carefully check each field of your application after filling, if you make a mistake in the application, there is a great chance of failure.

Decide on the amount of the loan. The amount of a short-term loan is limited by the law of your state

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How many direct payday lenders do you have?

We work with a large base of direct lenders and are built for your convenience. Our database includes more than 100 direct lenders. You can easily get payday loan from a direct lender. Fill out the application and communicate with the direct lender directly.

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How to get a quick loan with a bad credit history?

To fill out applications on the websites of the lenders, until someone will not approve. Or fill out the form with us and wait 10 minutes.

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Is it necessary to look for a loan near me?

No. All transactions take place online and the distance does not matter.

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Which companies are the leaders in the list of loans?

In this table we have presented the most well-known lenders in the United States.

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How much payday loan can I get?

The amount of the loan is governed by state laws. The maximum loan amount you can see in the table. If you need more, try an installment loan.

Disclaimer

Short-term loans are emergency credit products of relatively small amounts designed for short-term financial issues only and can become an expensive product if used for long-term purposes.

The owner and operator of laon.us is not a lender and is not involved into making credit decisions associated with lending or making loan offers. Instead, the website is designed only for a matching service, which enables the users contact with the direct lenders and third parties. The website does not charge any fees for its service, nor does it oblige any user to initiate contact with any of the lenders or third parties or accept any loan product or service offered by the lenders. All the data concerning short-term loan products and the industry is presented on the website for information purposes only. laon.us does not endorse any particular lender, nor does it represent or is responsible for the actions or inactions of the lenders. laon.us does not collect, store or has access to the information regarding the fees and charges associated with the contacting lenders and/or any loan products. Short-term loans are not available in all the states. Not all the lenders in the network can provide the cash loans up to $1,000. laon.us cannot guarantee that the user of the website will be approved by any lender or for any loan product, will be matched with a lender, or if matched, will receive a short-term loan offer on the terms requested in the online form. The lenders may need to perform credit check via one or more credit bureaus, including but not limited to major credit bureaus in order to determine credit reliability and the scopes of credit products to offer. The lenders in the network may need to perform additional verifications, including but not limited to social security number, driver license number, national ID or other identification documents. The terms and scopes of loan products vary from lender to lender and can depend on numerous factors, including but not limited to the state of residence and credit standing of the applicant, as well as the terms determined by each lender individually.

Late Payment Implications

It is highly recommended to contact the lender if late payment is expected or considered possible. In this case, late payment fees and charges may be implied. Federal and state regulations are determined for the cases of late payment and may vary from case to case. All the details concerning the procedures and costs associated with late payment are disclosed in loan agreement and should be reviewed prior to signing any related document.

APR Representative

APR (Annual Percentage Rate) is the loan rate calculated for the annual term. Since laon.us is not a payday or installment lender and has no information regarding the terms and other details of short-term loan products offered by lenders individually, laon.us cannot provide the exact APR charged for any loan product offered by the lenders. The APRs greatly vary from lender to lender, state to state and depend on numerous factors, including but not limited to the credit standing of an applicant. Additional charges associated with the loan offer, including but not limited to origination fees, late payment, non-payment charges and penalties, as well as non-financial actions, such as late payment reporting and debt collection actions, may be applied by the lenders. These financial and non-financial actions have nothing to do with laon.us, and laon.us has no information regaining whatsoever actions may be taken by the lenders. All the financial and non-financial charges and actions are to be disclosed in any particular loan agreement in a clear and transparent manner. The APR is calculated as the annual charge and is not a financial charge for a short-term product.

Non-payment Implications

Financial and non-financial penalties may be implied in cases of non-payment or missed payment. Fees and other financial charges for late payment are to be disclosed in loan agreement. Additional actions related to non-payment, such as renewals, may be implied upon given consent. The terms of renewal are to be disclosed in each pesonal loan agreement individually. Additional charges and fees associated with renewal may be applied.

Debt collection practices and other related procedures may be performed. All the actions related to these practices are adjusted to Fair Debt Collection Practices Act regulations and other applicable federal and state laws in order to protect consumers from unfair lending and negative borrowing experience. The majority of direct payday lenders do not refer to outside collection agencies and attempt to collect the debt via in-house means.

Non-payment and late payment may have negative impact on the borrowers' credit standing and downgrade their credit scores, as the lenders may report delinquency to credit bureaus, including but not limited to Equifax, Transunion, and Experian. In this case the results of non-payment and late payment may be recorded and remain in credit reports for the determined amount of time.

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